Stated-Income & Self-Employed (BFS) Mortgage Engineering.
Tax deductions should never penalize your borrowing power. Bespoke mortgage programs engineered for business owners, corporate shareholders, entrepreneurs, and independent professionals across Ontario.
Qualify using true business cash flow, gross corporate revenue, and bank statements instead of artificially reduced net taxable income.
Direct deposits and corporate cash flows audited by underwriters who understand liquidity dynamics, margins, and retained earnings.
Competitive institutional underwriting without prohibitive secondary lender rate penalties or punitive broker origination fees.
Four Specialized BFS Underwriting Solutions
Structured precisely to match corporate equity, tax optimization models, and fluid business operating cycles.
Bank Statement Only (6 to 12 Months)
Designed for unincorporated sole proprietors and incorporated business operators whose cash directly cycles through commercial or personal checking accounts. Underwriters calculate verified rolling monthly deposit aggregates.
Stated Income with Reasonable Gross-Up
Institutional Tier-A programs recognizing proven sectoral industry earnings benchmarks. Qualify based on declared reasonable revenue brackets without microscopic corporate tax audit friction or T4 disclosure requirements.
Corporate Financials & Retained Earnings
Tailored for Holding and Operating corporate entities. Specialized institutional desks add back non-cash paper write-offs like depreciation, vehicle amortization, and discretionary shareholder drawdowns into verified cash flow.
Asset Depletion & Private Syndication
For high-net-worth founders holding substantial marketable liquid securities, corporate cash reserves, or unencumbered real property who decline standard income documentation for streamlined private underwriting.
Traditional Retail Bank vs. 101GROUP BFS Architecture
Why standard branch algorithms fail entrepreneurial wealth and how our structured capital syndication restores parity.
| Underwriting Parameter | Conventional Branch Retail Bank | 101GROUP / 8Twelve BFS Architecture |
|---|---|---|
| Qualification Metric | Strict reliance on Line 15000 (T1 General) / 2-Year Average Notice of Assessment (NOA). Penalizes legal corporate tax write-offs. | Gross business cash flows, 6–12 month verified business bank deposits, or total operating company retained profits. |
| Maximum Borrowing Capacity | Artificially restricted to ~$550,000 on average due to aggressive personal tax efficiency strategies. | $1,450,000+ unlocked by evaluating authentic economic capacity, corporate balance sheet health, and dividend potential. |
| Incorporated Income Treatment | Only salary or T5 dividends personally paid out are recognized. Retained corporate capital is discounted to $0. | 100% of corporate net profit + add-backs (depreciation, amortization, travel write-backs) eligible for debt servicing. |
| Pre-Approval Certainty | Automated software pre-qualifications prone to late underwriter rejection 48 hours prior to transaction closing. | Direct submission to designated BFS executive desks with firm upfront conditional approvals and rate guarantees. |
Self-Employed Borrowing Power Calibrator
Simulate how 101GROUP's BFS protocols bypass Line 15000 suppression to restore institutional purchasing capacity.
Capped by standard GDS/TDS ratios on declared personal dividends/salary.
Calculated via corporate cash flow add-backs & 12-month verified deposits.
An Underwriter Who Speaks the Language of Business.
“Accountants are hired to legally minimize your personal tax liability; traditional banks then punish you by rejecting your mortgage application. As a licensed mortgage agent under 8Twelve Mortgage and a veteran business operator, I structure your commercial and corporate financial statements so institutional underwriters see your authentic borrowing power.”
REALTOR® — Right At Home Realty, Brokerage
Confidential Self-Employed Mortgage Intake Dossier
Complete this preliminary capital assessment. Shan Jahan-Bin personally reviews corporate and bank data prior to any institutional credit bureau inquiries.
Frequently Answered Underwriting Inquiries
Direct clarity regarding regulatory constraints, holding companies, and liquidity verification.
While traditional retail branch guidelines enforce a rigid 24-month corporate filing history, specialized BFS desks at Tier-A and Alternative institutions can approve borrowers with as little as 6 to 12 months of documented cash flow—particularly when the borrower possesses prior industry experience within the same operational sector.
Yes. Through our specialized Tier-A commercial-to-residential syndication pathways, holding company net retained cash balances and operational dividends can be leveraged to demonstrate total debt serviceability without triggering immediate personal tax withdrawal burdens.
Under our pure Bank Statement Programs, underwriting relies on 6 or 12 consecutive months of official corporate business bank statements, articles of incorporation, proof of active business operations (GST/HST returns or vendor invoices), and personal identification. Line 15000 is intentionally bypassed.
Not necessarily. Our prime Stated-Income Tier-A programs carry identical or near-identical rates to conventional salaried mortgages (often within 0.10%–0.25%). True Bank Statement Only or Asset Depletion products carry minor risk premiums, but avoid high secondary fees while preserving hundreds of thousands in liquidity.